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Forecast for the week of December 13, 2021

Please enjoy this complimentary mortgage rate forecast provided to keep you informed of where interest rates may be headed, and to help you gain the advantage in securing low rates and payments.

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Last Week's Mortgage Rate Recap:

Rates remained low


Average mortgage rates didn't move much, as market concerns about the omicron variant have subsided and investors prepare for the Fed to look to raise policy rates sooner in 2022. We saw some slightly higher closing costs through the middle of the week before settling back down a bit to end the week.

This Week's Mortgage Rate Forecast:

Rates could be volatile


This week we will get the Fed's policy statement, along with the Fed members' forecast of potential rates for the next couple of years. We could see markets react to any surprises, although investors are currently speculating that the Fed will announce faster bond tapering which would signal a rate increase as soon as March of 2022. Overall though we don't expect rates to move much, but should be prepared for movement just in case.

What's affecting rates this week:

  • Economic data: Tuesday's wholesale inflation data isn't likely to cause any big moves, but we could see some slight movement on Wednesday's retail sales data.
  • The Fed: As discussed above, the highlight of the week.
  • Other central banks: Over 20 different global central bank meetings this week, including the European Central Bank and Bank of England could play a small role in rates this week.

If you would like to discuss interest rates further or find out the benefits of locking your rate today, please contact your mortgage professional at or .

Interest Rate Forecast and Commentary provided by:


All information provided is for informational purposes only, and we assume no responsibility to any person who relies on information contained in this report, and disclaim all liability in respect to decisions or actions or lack thereof based on any or all of the contents of this report. This is not an offer to lend.


Hammer Solutions, LLC 260 Leaping Cat Ln Waynesville, North Carolina 28785 United States (973) 200-6808